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Calcimator

Budget & Cash Flow Planner

Comprehensive budgeting tool combining the 50/30/20 rule, emergency fund tracking, savings goals, and net worth calculation. Get a complete picture of your financial health for singles, couples, or families.

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How to Use This Calculator
  1. Select your household type and number of dependents.
  2. Enter all monthly income sources: primary salary, secondary income, side income, and investment income.
  3. Enter all fixed monthly expenses: housing, utilities, groceries, insurance, transportation, healthcare, childcare, and minimum debt payments.
  4. Enter variable/discretionary expenses: dining out, entertainment, subscriptions, shopping, and hobbies.
  5. Review your total income, total expenses, and monthly surplus or deficit.

How the result changes with Primary Monthly Salary (After Tax)

Primary Monthly Salary (After Tax)Monthly Cash FlowNet Worth
$10,000.00$5,400.00$43,000.00
$35,000.00$30,400.00$43,000.00
$65,000.00$60,400.00$43,000.00
$90,000.00$85,400.00$43,000.00

What each input means

Household Type
Select your household type to get tailored recommendations.
Number of Dependents
Children or other dependents you support financially.
Primary Monthly Salary (After Tax)
Your main take-home pay after taxes.
Secondary Salary (After Tax)
Spouse or partner's take-home pay.
Side Income / Freelance
Gig work, freelance, or side business income.
Investment / Dividend Income
Monthly dividends, interest, or rental income.
Other Income
Alimony, child support, government benefits, etc.
Housing (Rent/Mortgage)
Monthly rent or mortgage payment.
Utilities
Electric, gas, water, internet, phone.
Groceries
Food and household essentials.
Insurance
Health, auto, home, life insurance premiums.
Transportation
Gas, public transit, car maintenance.
Healthcare
Medications, copays, medical expenses.
Childcare / Education
Daycare, tuition, school expenses.
Minimum Debt Payments
Minimum payments on loans and credit cards.
Dining Out
Restaurants, takeout, coffee shops.
Entertainment
Movies, concerts, events, streaming services.
Subscriptions
Streaming, gym, magazines, apps.
Shopping (Non-Essential)
Clothes, electronics, home goods beyond essentials.
Travel / Vacation
Monthly set-aside for trips and vacations.
Hobbies
Sports, crafts, gaming, etc.
Other Discretionary
Any other non-essential spending.
Monthly Savings
Amount transferred to savings accounts monthly.
Retirement Contributions
401(k), IRA, or other retirement account contributions.
Investment Contributions
Brokerage, stocks, ETFs, crypto.
Extra Debt Payments
Payments above minimums to pay off debt faster.
Cash & Savings Accounts
Checking, savings, money market accounts.
Taxable Investments
Brokerage accounts, stocks, bonds, ETFs.
Retirement Accounts
401(k), IRA, 403(b), pension value.
Real Estate Value
Current market value of owned property.
Vehicle Value
Current resale value of cars, boats, etc.
Other Assets
Jewelry, collectibles, business equity.
Mortgage Balance
Remaining balance on home loan.
Auto Loan Balance
Remaining balance on car loans.
Student Loan Balance
Federal and private student loans.
Credit Card Debt
Total credit card balances.
Personal Loans
Unsecured personal loans.
Other Debts
Medical debt, back taxes, etc.
Emergency Fund Target
Target months of expenses to save.
Savings Account APY
Annual percentage yield on savings.
Savings Goal Amount
Specific savings target (house, car, vacation).
Savings Goal Timeframe
Target months to reach savings goal.

What each result means

Monthly Cash Flow
Money remaining after all expenses and savings.
Financial Health Score
Overall financial health rating.
Net Worth
Total assets minus total liabilities.
Needs (Target: 50%)
Percentage of income spent on essential expenses.
Wants (Target: 30%)
Percentage of income spent on discretionary expenses.
Savings (Target: 20%)
Percentage of income going to savings/investments.
Emergency Fund Progress
Percentage of emergency fund goal achieved.
Debt-to-Income Ratio
Monthly debt payments as percentage of income.
Debt-to-Asset Ratio
Liabilities as percentage of assets.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    Household Type = 0, Number of Dependents = 0, Primary Monthly Salary (After Tax) = 5000, Secondary Salary (After Tax) = 0 = 42 input(s) provided
  2. Calculate Monthly Cash Flow
    Monthly Cash Flow
    400 = $400
  3. Calculate Net Worth
    43000 = $43,000
  4. Calculate Financial Health Score
    Financial Health Score
    100 = 100
  5. Calculate Rating
    Rating
    Excellent = Excellent

Engine last updated . Checked against 2 independently-derived tests — how we verify calculators.

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